Argenius
The repurchase of credit and that the repurchase of credit ...
Argenius is a company of the BNP Paribas Personal Finance group , specializing in loan buybacks. Equipped with a platform for receiving calls in the Paris region, the company announces eight exclusive agents in the provinces.Specializing in debt consolidation, Argenius therefore works directly with individuals but also with regional agents who can themselves offer a close relationship.
To find the best credit buyback offer, see our credit buyback rate comparison page.
Online information
Pricing and credit rates are relatively difficult to find. They actually appear at the bottom of some pages on a gray background which makes them unreadable.
The durations and possible credit amounts are not indicated on the site.
The legal notices are visible.
No Consumer Service.
There is little reference to BNP Paribas.
Navigation / ergonomics
As the site only has about fifteen pages, navigation is relatively simple.
The horizontal and vertical navigation bar giving access to all the pages of the site.
The site is built without intrusive visual or sound animations.
Argenius understood that simple and clear proposals are more likely to be taken seriously.
online services
Accessible site map: a good point.
The simulation tool is very quick to use: only your budget and your date of birth are requested.
The result of this simulation is on the other hand much less interesting. If you get the monthly payment, you have no information on the duration of the proposed credit, nor the rate, nor the total cost ... This is not serious, and does not allow you to compare the offers ...
The online request is a simple form, and do not expect an immediate response ... At the end of the filling you only receive an email telling you that you will be called back.
Unable to print contract online.
No online tracking of your credit application.
No information on any administrative fees charged by Argenius.
Particularity
For a mortgage repurchase request Argenius sets up 2 loans: a mortgage and a mortgage. This information can only be found in the legal notices of the examples.
During a simulation, the Argenius site never gives any figures on the rates charged. You must read the legal notices at the bottom of the page to discover, for example, announced TEGs.
We could expect more transparency from a BNP Paribas group establishment ...
Online tools are also underdeveloped and affect the quality of the relationship ...
A good site but to update!
About Argenius
Argenius is a brand of BNP Paribas Personal Finance.
BNP Paribas Personal Finance, Credit institution
SA with capital of $ 435,903,804 - 542,097,902 RCS Paris.
Head office: 1, boulevard Haussmann 75 318 Paris Cedex 09. Orias number: 07023128 (www.orias.fr). Insurance broker.
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News
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Every year, we write one or two articles on the rise in bank management fees ... Every year, we see readers who are indignant at the punctures made by banks: bank card, account management fees, subscription access to the online account ... and finally, the fees increase again and again, and then nothing happens ... For 2018, good news (?): the increase in bank fees will only be 0 , 25% on average! This is not a big deal because the French agree to pay an average of 194.30 us dollars in miscellaneous fees to have and use a bank account for a year. Why should this change if the French agree to pay such a sum? Well, like any good Frenchman, you have to complain, so it's easy, you complain for 2 minutes and you forget that during this time others have decided not to pay this kind of fees. In fact, to stop paying your bank card, managing your account and accessing the account on the Internet (yes, there are some who still pay it! ...) you just need to open an account in a online banking like ING, Hello Bank, Bridgepayday, BforBank. In this type of establishment, if your account works (that is to say that you pay your salary there and you make purchases with your bank card) you do not pay any fees. And so on average you save over US $ 190 per year! Calculate the savings made over 10 years already! ... And you will not be alone, because already more than 3 million French people have gone to online banking ...
Check your repayment capacity before you commit.
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